LTV · monthly repayment
▼ 0.50% · 3.625%
HK$56,697
−HK$3,555/mo
▼ 0.25% · 3.875%
HK$58,460
−HK$1,792/mo
Today · 4.125%
HK$60,252
baseline
▲ 0.50% · 4.625%
HK$63,918
+HK$3,666/mo
Deposit HK$12.43M · loan HK$12.43M · min. income ≈ HK$120,504/mo (50% DSR)
Upfront cash ≈ HK$13.49M (deposit + AVD stamp duty HK$1,056,728 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,075
−HK$3,407/mo
▼ 0.25% · 3.875%
HK$64,766
−HK$1,716/mo
Today · 4.125%
HK$66,482
baseline
▲ 0.50% · 4.625%
HK$69,987
+HK$3,505/mo
Deposit HK$12.43M · loan HK$12.43M · min. income ≈ HK$132,964/mo (50% DSR)
Upfront cash ≈ HK$13.49M (deposit + AVD stamp duty HK$1,056,728 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,036
−HK$4,267/mo
▼ 0.25% · 3.875%
HK$70,152
−HK$2,151/mo
Today · 4.125%
HK$72,303
baseline
▲ 0.50% · 4.625%
HK$76,702
+HK$4,399/mo
Deposit HK$9.95M · loan HK$14.92M · min. income ≈ HK$144,606/mo (50% DSR)
Upfront cash ≈ HK$11.00M (deposit + AVD stamp duty HK$1,056,728 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,689
−HK$4,090/mo
▼ 0.25% · 3.875%
HK$77,719
−HK$2,060/mo
Today · 4.125%
HK$79,779
baseline
▲ 0.50% · 4.625%
HK$83,984
+HK$4,205/mo
Deposit HK$9.95M · loan HK$14.92M · min. income ≈ HK$159,558/mo (50% DSR)
Upfront cash ≈ HK$11.00M (deposit + AVD stamp duty HK$1,056,728 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,375
−HK$4,978/mo
▼ 0.25% · 3.875%
HK$81,844
−HK$2,509/mo
Today · 4.125%
HK$84,353
baseline
▲ 0.50% · 4.625%
HK$89,486
+HK$5,133/mo
Deposit HK$7.46M · loan HK$17.40M · min. income ≈ HK$168,706/mo (50% DSR)
Upfront cash ≈ HK$8.52M (deposit + AVD stamp duty HK$1,056,728 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,304
−HK$4,771/mo
▼ 0.25% · 3.875%
HK$90,673
−HK$2,402/mo
Today · 4.125%
HK$93,075
baseline
▲ 0.50% · 4.625%
HK$97,981
+HK$4,906/mo
Deposit HK$7.46M · loan HK$17.40M · min. income ≈ HK$186,150/mo (50% DSR)
Upfront cash ≈ HK$8.52M (deposit + AVD stamp duty HK$1,056,728 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,054
−HK$6,400/mo
▼ 0.25% · 3.875%
HK$105,229
−HK$3,225/mo
Today · 4.125%
HK$108,454
baseline
▲ 0.50% · 4.625%
HK$115,053
+HK$6,599/mo
Deposit HK$2.49M · loan HK$22.38M · min. income ≈ HK$216,908/mo (50% DSR)
Upfront cash ≈ HK$3.54M (deposit + AVD stamp duty HK$1,056,728 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,534
−HK$6,134/mo
▼ 0.25% · 3.875%
HK$116,579
−HK$3,089/mo
Today · 4.125%
HK$119,668
baseline
▲ 0.50% · 4.625%
HK$125,976
+HK$6,308/mo
Deposit HK$2.49M · loan HK$22.38M · min. income ≈ HK$239,336/mo (50% DSR)
Upfront cash ≈ HK$3.54M (deposit + AVD stamp duty HK$1,056,728 · Scale 2, in force from 26 Feb 2026)